对我国影子银行业务的一些看法

中国的影子银行,可以看作仅仅是银行的影子.银行为规避监管,追求较高收益,主导了资金转出传统存贷系统,在资产负债表外办理资金中介业务.其主要问题是扰乱了利率体系和社会利益分配格局,助长了经济结构的非市场化倾向.解决问题的思路,首先要促使影子银行体系透明化运作,其次是改革相关规则,让市场发出正确的信号.

Some Views on Shadow Banking in China

Shadow banking in China can be regarded merely as a shadow of banks. For avoiding regulation, the banks pursuit higher returns, and allow the funds flow out of the traditional savings and loan system, transacting their intermediary cash business in form of off - balance sheet. The main problem is that the interest rate system and the distribution pattern of social interests are disturbed and the non - market tendency in the economic structure is exacerbated. Suggestions are given on how to solve this problem as follows： first of all, to promote operation trans- parency in the shadow banking system; then to reform the related rules and enable the market to signal in a right way.